If you have a website that sells products or services, it may be beneficial to accept online payments or accept credit card payments. You can take advantage of all the potential customers who want to use their credit or debit cards to make purchases. Worldwide, the average Visa credit card hold will spend an average of approximately $1,725 every year. The typical American Express card member spends about $7,714 each year. Additionally, according to Statistic Brain, in 2012, approximately 76 percent of U.S. college students owned credit cards.